Stewardship of a life well-lived, organized in one quiet place.
A curated suite of working tools for the families we serve — from the homes you keep, to the journeys you take, to the collections you steward. Every module, considered. Every detail, attended to.
TOC-23 is a multifamily office built around estate planning, tax strategy, capital management, concierge & special projects. You are the coach, we are the quarterback, and it is our job to run whatever play that you call — flawlessly.
TOC-23 already advises you on the portfolio, the estate plan, the tax strategy, and the family governance framework. These four services are not a separate product line — they are how that strategy gets delivered into the daily operational reality of your life, inside a single budget and a single team.
The portfolio, the estate plan, the tax strategy, the family governance — we already build those with you. Property, risk, travel, and aviation are how we deliver them into the daily reality of your life. One strategy. One budget. One balance sheet. One institutional memory. From the capital call to the storm shutter.
The four operational services on the left feed the same dashboard that drives the core advisory work on the right. It is all TOC-23. There is no handoff, because there is no seam.
Each service stands alone, and each reinforces the others. Select a card to jump directly to that module.
Property management and lifestyle service for your way of living — preventative and responsive maintenance across the full trade and vendor network, coordinated under one point of contact.
Four-pillar risk framework covering property, liability, personal security, cyber, and commercial exposures — coordinated with your broker of record.
Bespoke itineraries, on-the-ground logistics, and a home-while-away protocol — because the residence doesn’t stop running while you’re away.
Independent modeling of charter, jet card, fractional, and whole ownership — run against your actual travel patterns, not a brochure.
Property management and lifestyle service for your way of living — preventative and responsive maintenance across the full trade and vendor network, coordinated under one point of contact.
Risk for an accomplished family is rarely one thing. It is a portfolio of exposures across four pillars — tangible assets, liabilities, personal well-being, and commercial interests — that need to be screened, measured, and either insured, mitigated, or consciously retained. We build and maintain that portfolio in coordination with your broker of record, your security advisor, and the rest of your TOC-23 team.
Every risk we screen maps to one of these four pillars. Hover a pillar to see the specific exposures and coverages it contains.
What you own, and what wears out, breaks, burns, floods, or gets stolen.
What someone else can take from you when something goes wrong.
The people, the privacy, and the reputation that no policy alone can protect.
The businesses, investment properties, and household staff that sit around the family.
Eighteen exposures plotted by likelihood and impact, spanning all four pillars. Click any numbered dot to see the full entry, the pillar it belongs to, and the TOC-23 mitigation protocol.
Each dot represents a standard exposure we screen for in the initial comprehensive risk review. Click any dot to see the full entry, the pillar it belongs to, and the TOC-23 mitigation protocol.
Industry benchmarking of coverage adoption among accomplished families, drawn from published family office risk research. The gaps are the story.
of family members carry specialized art & collections coverage
of properties in hurricane-prone areas carry wind coverage
of family members carry excess liability; 93% also carry excess UM/UIM
of family offices carry comprehensive cyber coverage; very few individual households elect it at all
carry individual D&O coverage — yet many family members sit on charitable boards
of families with domestic workers’ comp decline EPL coverage for the same household staff
Multi-generational family with five residences across three states. $18M fine art collection — last appraised eight years ago. A fourteen-vehicle collection valued at $6M. Six-person domestic staff (workers’ comp in place, no EPL). Three adult children sitting on non-profit boards. Zero cyber, kidnap-and-ransom, or reputational coverage. Insurance placed across four carriers and eleven policies.
Comprehensive audit of the existing program alongside the broker of record. New appraisals commissioned for art and collectibles — the schedule was running roughly 40% underinsured. Documented on-site risk walks at each of the five residences. Cyber, Non-Profit D&O, EPL, K&R, and reputational injury identified as the highest-priority unfilled gaps. A consolidation strategy proposed, with the broker placing the new program.
Eleven policies consolidated to four across a single primary specialty carrier and one excess market. Schedule updated to current replacement values. Five previously uninsured exposures added. Net premium flat versus the prior year despite meaningfully broader coverage. Annual “open items” call established with the broker and client. The family office now receives a single quarterly risk report.
We plan the trip, we mind the house while you’re on it, and we answer the phone when something goes sideways in a time zone six hours ahead. The two are not separable services in our model — travel coordination is the reason so many of our clients started with property management in the first place.
Private aviation is one of the most efficient ways to destroy capital if structured wrong. We are not a broker. We do not take carrier commissions. We run the numbers — independently — before you sign anything, and we re-underwrite the decision every year because your travel patterns change.
